Nu Holdings (NU) Stock Analysis: $1B Profit Milestone vs. Rising Credit Risk
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Global News DailyIndependent analyst profile- Source published
- 05 Oct 2026, 12:01 UTC
- Recorded by Tahlil Plus
- 05 Oct 2026, 17:23 UTC
AI-generated source summary
Nu Holdings (NU) is currently trading at $13.43. The analysis highlights strong Q2 earnings, with net profit reaching $1.1 billion, a 49% year-over-year growth, and a 33% return on equity. Gross revenue hit $5.9 billion, indicating significant growth in Mexico, which is monetizing faster than Brazil. The company's AI-driven 'NuFormer' model enhances efficiency, processing data from 400 million rows to 20 million, reducing development time and increasing productivity. The Brazilian central bank's Selic rate is projected at 13.5% by end of 2026, increasing funding costs but also potentially benefiting Nu's margins. However, risks include a rise in 90+ day delinquencies to 6.9%, up 35 basis points, indicating potential credit quality deterioration in higher-risk segments. Analysts maintain a 'Buy' rating with a target price of $18.64, suggesting a 39% upside, but caution that this is based on a forward P/E of 17-18x, considered high. The key metric to watch is whether 90+ day delinquencies stabilize by the next earnings report on November 12th, 2026.
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